Animalia Pet Insurance 2025: In-Depth Review, Coverage, Pros & Cons

Why trust HelloSafe?

At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million users in the US trust us each month to guide them in their most important financial decisions.

Animalia Guarantees

Animalia offers a single, comprehensive pet insurance plan for dogs and cats, with coverage for accidents, illnesses, hereditary and congenital conditions, behavioral therapy, alternative care, exams, and prescription medication.
Policyholders can select their annual limit, reimbursement rate (up to 90%), and deductible at purchase, resulting in flexible premiums and out-of-pocket costs.

Key strengths include coverage for curable pre-existing conditions (after a symptom-free period), tele-vet access, US-wide vet choice, and no premium penalty for filing claims.

Limitations are the absence of routine/wellness care and standard dental coverage (dental insured only if add-on purchased), plus no coverage for breeding, elective, or cosmetic procedures and incurable pre-existing conditions.
Annual maximums and initial policy details must be checked at enrollment, as specific limits and deductibles are not always communicated before quoting.

Policy Features and Coverage

No claim penalty applies: filing claims does not increase your premium during the policy period.

Any licensed vet (including specialists/hospitals) in the US is eligible.

Tele-vet services are included at no extra charge, and dental is available only as an add-on.

Compare Animalia with other leading providers to ensure you find the best value and coverage for your pet.

Animalia Exclusions

Animalia’s exclusion list is relatively standard, but stands out for allowing curable pre-existing conditions (such as ear infections or UTIs) to become eligible after 12 symptom-free months.
Like most of the market, incurable pre-existing conditions, congenital conditions apparent prior to the policy, and costs linked to breeding or pregnancy are always excluded.
Routine, preventive, and wellness care—including exams, vaccinations, flea/tick, and standard dental cleaning—are not included except through a separate optional plan that is not insurance.
Dental treatment is only reimbursed if the dental add-on is purchased; otherwise, all non-accident dental care is excluded.
Elective/cosmetic procedures and non-veterinary expenses (boarding, grooming, food, toys) are also excluded, and waiting periods for cancer and cruciate ligament issues are strictly enforced.

Animalia Prices

Animalia is positioned in the mid-to-high price range due to its notably comprehensive coverage, which includes alternative therapies, behavioral care, and specialty consults that typically cost more with most providers.

The plan covers an extensive list of high-ticket items—such as prescription food, hospitalization, and exam fees—resulting in broader protection but a higher premium compared to limited or “accident-only” providers.

Animalia’s fully digital service model offers efficiency and rapid claims processing, helping to offset costs relative to traditional insurers with heavier administrative overhead.

While deductibles and co-pay levels can be adjusted, the wide base of coverage and options for specialty add-ons mean premiums are rarely among the lowest available, but reflect strong value for money for owners seeking a “no bad surprises” approach.

This approach makes Animalia particularly attractive to pet owners prioritizing coverage breadth and predictability over minimum monthly spend.

Compare quotes across providers to make sure you’re choosing the plan that fits both your pet’s needs and your budget.

Animalia Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

How much will I be reimbursed with Animalia?

With Animalia’s highest-tier plan, you simply pay your vet bill, submit your claim, and receive your reimbursement—deductible and coverage rate are clear so you always know your out-of-pocket cost.

✅ Example 1: Emergency treatment for a broken leg
Total vet costs: $2,300 (ER exam, X-ray, surgery, hospitalization, medication)
Deductible to subtract: $200 (chosen annual deductible, first claim of the policy year)
Amount eligible after deductible: $2,300 − $200 = $2,100
Reimbursed at 90%: $2,100 × 90% = $1,890
👉 You receive a reimbursement of $1,890.

ℹ️ The $200 deductible applies only once per policy year—future eligible claims will not be subject to it.

✅ Example 2: Diabetes management (chronic illness)
Total vet costs: $450 (consultation, bloodwork, insulin, follow-up)
Deductible already met with earlier claims this year Reimbursed at 90%: $450 × 90% = $405
👉 You receive a reimbursement of $405.

ℹ️ Chronic illness treatments are covered long-term as long as premiums are paid and annual limits are not exceeded.

✅ Example 3: Annual wellness check and core vaccines (with wellness add-on)
Total vet costs: $180 (exam, heartworm test, rabies & FVRCP vaccines, fecal)
No deductible on preventive care (covered by wellness package)
Reimbursed at 100%: $180 × 100% = $180
👉 You receive a reimbursement of $180.

ℹ️ Wellness exams and vaccinations are reimbursed in full under the optional preventive care add-on, up to the annual wellness benefit limit.

Assistance Animalia

Customer reviews on Animalia

We analyzed reviews from the sites listed above.

On the positive side:

• A fast and user-friendly claims process, with many policyholders receiving reimbursements within just a few days.
• An attentive and supportive customer service team, described as compassionate, available, and knowledgeable.
• A comprehensive plan that is praised for covering a wide range of conditions, including curable pre-existing issues after a symptom-free period.
• Clear and fair communication about eligible expenses, with claim decisions matching policy promises.
• No punitive premium increases after filing claims, reinforcing trust in long-term affordability.

On the negative side:

• A lack of coverage for routine and preventive care is often cited as disappointing compared to some competitors.
• Dental care is only included if the optional add-on is purchased, which surprises some customers.
• The waiting period for certain conditions, such as cruciate ligament injuries and cancer, is considered lengthy by several policyholders.
• Coverage for prescribed foods and supplements has regional restrictions, leading to frustration, especially among Florida residents.
• A few owners note that the absence of a mobile app or digital tools makes policy management less convenient than other insurers.

Contact Animalia

FAQ

Jordan Mitchell

Personal finance editor

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.